04 May 2017

Dental Sticker Shock

Yes, I know... this is my fault.I got a thing in the mail from a reputable company offering dental insurance for my family.There are things in life I think are too important to ignore:Brakes and tires on your car, for instance.Dental care is another. My first mistake was not shopping around for price.I now realize I could have done much better than $60/month.My second was not insuring our Dentist was an "approved provider".

The policy indicated an annual cleaning would be fully covered after the policy had been in effect for a year. I scheduled my cleaning 13 months after the policy's anniversary date.

The bill from the Doc came yesterday-My dental insurance covered $100 of a three hundred dollar bill.I was shocked and furious. It means I paid $720 for a year's coverage, and then another $200 to have my teeth cleaned and consult with our Dentist.Total bill for the year: $920.00 !

I called and canceled the policy.We take good care of our mouths.Now I'm wondering whether or not dental insurance is even worth carrying.